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Corporate Laws Central Ministry of Finance Payment and Settlement Systems Act, 2007

NPCI issues circular on Implementation of Benefit Management System (BMS) for RuPay Debit Cards

12-Dec-2025 | NPCI/2025-26/RuPay/036

NPCI has issued a circular on Implementation of Benefit Management System (BMS) for RuPay Debit Cards. Key Highlights: 1. RuPay is launching a Benefit Management System (BMS), a centralized digital platform to manage and deliver customer benefits efficiently. 2. BMS will identify and verify cardholder eligibility in real time, based on spending patterns, and optimize rewards accordingly. 3. Initially, BMS will manage the Common Lounge Access benefit, with plans to extend it to other benefits and offers later. 4. The platform will go live on 1 September 2025, and lounge access for eligible cardholders will begin from 15 October 2025. 5. The system applies to RuPay Debit Platinum and Select cards, and only issuer banks onboarded on BMS will be eligible for spends-based lounge access. 6. Issuer banks must upload eligible card/BIN data by 5 October 2025 and execute a legal agreement with NPCI to be onboarded. 7. Lounge access eligibility will be spends-based and quarterly, and unused benefits will lapse after each defined benefit period. 8. Issuer banks are responsible for cardholder communication, eligibility disclosure, and compliance with existing RuPay lounge program rules.

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